Social insurance is public program. For example- Social Security. We as the citizens of the United States pay into Social Security with each paycheck we receive. With this money we are supposed to be able to retire and have a monthly income as we have paid into the fund and are now able to receive the money back. The same goes for Medicare and Medicaid, unemployment insurance and workers compensation. Each time we receive a check a small amount of money has been taken to apply to those programs. Benefits to these programs are that should we need to retire, need health care, or need monthly income we have theses resources to fall back on. No matter if we retire, get hurt, lose our job or any other number of things we will have access to cover our monthly expenses. Drawbacks are those who abuse the system, and not having enough month to month to cover our expenses. With the economy being in the state it is in it has become difficult for some to find work after being let go. There is a limit on unemployment and some run out without being able to find work. Others prefer to not find work and live off of the unemployment. Medicare often does not cover all expenses and Social Security is slowly but surely depleting. Our government having access to these sources is a drawback as well. They take from the funds and use the money elsewhere leaving the average American citizen with nothing after they have worked and earned.